Calvert County property record for 196 E Chesapeake Beach Rd, Owings, MD 20736
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,560 sqft · built 1986 |
| Lot Size | 0.918 acres (39,988 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,021 (2025) |
| Deeds & Mortgages | Jan 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-109631 |
| Primary APN | 03-109631 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,560 sqft Total Area |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 39,988 sqft (0.918 acres) |
| Deck Area | 352 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 109631 |
|---|---|
| Street Address | 196 E CHESAPEAKE BEACH RD |
| City | OWINGS |
| State | MD |
| Zip | 20736 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | 39,988 SF 196 CHESAPEAKE BEACH RD OWINGS |
| Legal Lot Number | 2 |
| Jurisdiction | CALVERT MD |
| Township / Civil Division | 3, SUNDERLAND |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 860300 |
196 E Chesapeake Beach Rd is owned and occupied by two individuals.
Source: Calvert County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 196 E CHESAPEAKE BEACH RD, OWINGS, MD 20736 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 196 E CHESAPEAKE BEACH RD, OWINGS, MD 20736 |
| Document Number | 0053140421 |
| Instrument Date | Jan 22, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 21, 2019 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 196 E CHESAPEAKE BEACH RD OWINGS MD 20736, OWINGS, MD 20736 |
| Document Number | 0053140421 |
|---|---|
| Date | Feb 5, 2019 |
| Book Page | 005314/000421 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 4, 2049 |
The 2025 property tax bill for 196 E Chesapeake Beach Rd was $4,021 with a homeowner's exemption.
Source: Calvert County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Calvert County |
| Unified School District | Calvert County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $358,000 | $369,800 Land $148,600 Building $221,200 | |
| 2025 | $4,021.00 | ||
| 2023 | $3,320.00 Homeowner's exemption | $319,633 | $352,100 Land $148,600 Building $203,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 196 E Chesapeake Beach Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1999.
Source: FEMA National Flood Hazard Layer, effective April 18, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 4 (1999–2020) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Aug 2020 · Tropical Storm Isaias |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 196 E Chesapeake Beach Rd is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · above 68% of Maryland |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 50 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Starlink Satellite | 280 / 30 |
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